How a 25-year-old Mississippi-based math teacher spends:

  • SALARY: I make $38,000 per year teaching fifth-grade math at a charter school. I negotiated for a raise to $41,000 that will take effect next school year I asked for $42,000 and they gave me $41,000. My previous salary offer was $39,500.

  • SAVINGS: I have $5,000 in my savings account right now. 

  • MONTHLY EXPENSES: I pay roughly $296 on my mortgage, but my roommates pay me rent (it's a house hack) that covers more than that. I contribute to my 401(k) and I'm still on my parents' healthcare plan. I pay $35 for my gym membership, about $100 for the electric bill and about $60 for the natural gas bill.

  • INVESTING: I am investing in my Roth IRA at Vanguard and in a taxable investment account with Vanguard.

  • SIDE HUSTLE: Tutoring - I make $60 per month. 

  • SPENDING VICTORY:  My house! I love my house, and I love that my roommates are paying my mortgage and utilities.

  • SPENDING REGRET: I went to art school for my first two years of college, and I wish I had a better idea of what I wanted before I did that. 

  • IF I WON THE LOTTERY: I would buy an investment property - probably a duplex or triplex in my city.

  • GOALS: I want to retire early.